LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,793
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$625/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,314
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,610
−HK$599/mo
Today · 4.125%
HK$23,209
baseline
▲ 0.50% · 4.625%
HK$24,433
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,418/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$751/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,423
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,132
−HK$719/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,710
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,572
−HK$876/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,827
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,654
−HK$839/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,627
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,736
−HK$1,126/mo
Today · 4.125%
HK$37,862
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,724/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,698
−HK$1,079/mo
Today · 4.125%
HK$41,777
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,554/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,406 · Scale 2, in force from 26 Feb 2026)